Flood Insurance Information

Don't Wait for the Next Storm to Purchase Flood Insurance!
A home within a Special Flood Hazard Area (SFHA) has a 26% chance of
experiencing a flood during the life of a 30-year mortgage. But even if
your home or business is not located in one of these areas, just a few
inches of floodwater can create devastating financial losses.

National Flood Insurance Program
Highland Village is a member of the National Flood Insurance Program (NFIP), which makes it possible for Highland Village residents to obtain federally backed flood insurance. Property owners and renters may purchase flood insurance through their local property and casualty insurance agents.

In the near future, the City will be submitting an application
for a flood insurance premium reduction under the Community Rating
System (CRS).

Rates & Coverage
Rates are set by the federal government and do not differ from company
to company or agent to agent. These rates depend on many factors,
including how much insurance is purchased, what it covers, the date and
type of construction of your home, along with your property's level of
flood risk.

There are two types of coverage which can be purchased separately:

Structural coverage:
Covers everything that stays with a house when it is sold, including
the furnace, cabinets, built-in appliances, and wall-to-wall carpeting.